Cold and stormy weather can ravage your homes so take some time to check your home insurance policies. If you are insured with us, give us a call and we can go through the small print and make sure you have the correct level of cover.



Roof Tiles

If your roof is in disrepair snow and storms can cause real damage. What’s more, if you are found to have not maintained your roof properly, your insurance policy could be void.

Guttering and Drains

Check and clear your guttering and drains for debris as they can easily freeze up and get blocked.


Check the insulation in your pipes and water tanks in exposed areas such as lofts and garages to help prevent pipes freezing and bursting.  Loft insulation can make a big difference to the temperature in your home so make sure it is up to scratch.


Make sure everyone in the house knows where the stopcock is and how to switch it off in case of the worst. This will stop the water flowing and limit the damage.

Fuse box and electrics

A home’s electrics are a major source of insurance claims. If you haven’t done so in a while, get a registered electrician to check your home’s fuse box and wiring.

Check your boiler and heating system

Make sure they’re up to scratch, and that you’re up to date with a service. According to British Gas, boilers work most effectively at one bar, which you can check as a dial or digital display on the boiler.

If you’re leaving the house for any period of time it’s a good idea to leave your boiler on, even just for an hour a day. This helps keep things running effectively.

Seal draughts

One quick and cheap way to cold proof your home is to seal off the gaps in your window frames, letterbox and doors. Draught excluders are available for only a few pounds but realistically anything will do as long as it effectively seals out the cold.


If your radiators are cold at the top and warm at the bottom they’ll need bleeding. This will help to more efficiently keep your house warm and is a really simple job:

You’ll need to turn off your heating and get a cloth and a radiator key ready. Using the key turn the valve at the top of the radiator anti-clockwise until you hear a hissing noise. Hold the cloth below to catch dripping water. Once the water starts to flow, tighten the valve back up again.